Common questions about Music stores
Answering the most frequently asked questions about Music stores.
Is consigned stock covered?Gravity Certs2026-08-17T23:09:09-04:00
Not by your property policy. Consigned instruments need bailee terms.
Is my inventory a theft target?Gravity Certs2026-08-17T23:09:09-04:00
Yes. Instruments are portable, valuable and easily resold.
Am I liable for a defective instrument or amp?Gravity Certs2026-08-17T23:09:08-04:00
Yes. Product liability names retailers, particularly for electrical equipment.
Do lessons change my coverage?Gravity Certs2026-08-17T23:09:08-04:00
Yes. On-site instruction adds participant injury and professional exposure. Disclose it.
Are rental instruments covered?Gravity Certs2026-08-17T23:09:07-04:00
That’s bailee exposure for instruments you own but customers hold, plus property while in store.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
-
I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
-
Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
Our trusted partners
We work with the nation’s largest, most reputable insurance companies.
